Andrews Advisory Associates,LLC.

Open-Architecture 401(k) Qualified Retirement Plan Solution

We provide a simple yet flexible, cost-effective solution for 401(k) plans for small businesses. Our 401(k) platform uses mainly index-based Exchange-Traded Funds (ETFs) which have low expenses, no transaction fees and no minimum, along with low-cost target-retirement-date mutual funds. Our firm serves as an ERISA Section 3(21) Fiduciary, monitoring investment choices for participants to self-direct, and as an ERISA Section 3(38) Fiduciary Investment Manager providing active management of asset allocation portfolios using low-cost ETFs. Our plan design, which can be customized as desired by the plan sponsor, includes three components: (1) Five actively-monitored, advisor-managed models based on participants' tolerance for volatility; (2) Self-directed investments where participants choose from a list maintained by the advisor; or (3) a Separate Brokerage Account held at the same custodian for those who would like to trade individual stocks and a wide range of other investments (an additional annual recordkeeping fee and custodial trading fees apply).

Andrews Advisory Associates,LLC. Andrews Advisory Associates,LLC.

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